/* ========================================
   CSS VARIABLES
   ======================================== */
:root {
  --clr-cream: #faf8f4;
  --clr-warm-white: #f5f1eb;
  --clr-sand: #e8e0d4;
  --clr-stone: #c4b9a8;
  --clr-bark: #6b5e50;
  --clr-deep: #2c2520;
  --clr-midnight: #1a1614;

  --clr-teal: #1a8a7d;
  --clr-teal-light: #e6f5f3;
  --clr-teal-dark: #14695f;
  --clr-orange: #e07a2f;
  --clr-orange-light: #fef3e8;
  --clr-orange-dark: #c46820;
  --clr-green: #3a9e5c;
  --clr-green-light: #edf7f0;
  --clr-red-soft: #d94f4f;

  --font-display: 'Source Serif 4', Georgia, serif;
  --font-body: 'Nunito Sans', -apple-system, sans-serif;

  --shadow-sm: 0 1px 3px rgba(44,37,32,0.06);
  --shadow-md: 0 4px 16px rgba(44,37,32,0.08);
  --shadow-lg: 0 8px 32px rgba(44,37,32,0.1);
  --shadow-glow-teal: 0 4px 24px rgba(26,138,125,0.15);
  --shadow-glow-orange: 0 4px 24px rgba(224,122,47,0.15);

  --radius: 12px;
  --radius-lg: 20px;
  --radius-pill: 100px;
}

/* ========================================
   RESET & BASE
   ======================================== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  font-size: 17px;
}

body {
  font-family: var(--font-body);
  background: var(--clr-cream);
  color: var(--clr-deep);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }

.container {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ========================================
   ANIMATIONS
   ======================================== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slideRight {
  from { opacity: 0; transform: translateX(-20px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}

.fade-up {
  opacity: 0;
  animation: fadeUp 0.7s ease-out forwards;
}

.fade-up-d1 { animation-delay: 0.1s; }
.fade-up-d2 { animation-delay: 0.2s; }
.fade-up-d3 { animation-delay: 0.3s; }
.fade-up-d4 { animation-delay: 0.4s; }
.fade-up-d5 { animation-delay: 0.5s; }

/* ========================================
   NAVIGATION
   ======================================== */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(250,248,244,0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(200,185,168,0.3);
  transition: all 0.3s;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  max-width: 1120px;
  margin: 0 auto;
}

.nav-logo {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--clr-teal-dark);
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-logo-icon {
  width: 36px;
  height: 36px;
  background: var(--clr-teal);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.1rem;
  font-family: var(--font-body);
  font-weight: 800;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--clr-bark);
  transition: color 0.2s;
  position: relative;
}

.nav-links a:hover { color: var(--clr-teal); }

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--clr-teal);
  transition: width 0.3s;
}

.nav-links a:hover::after { width: 100%; }

.nav-cta {
  background: var(--clr-teal) !important;
  color: white !important;
  padding: 10px 22px;
  border-radius: var(--radius-pill);
  font-weight: 700 !important;
  font-size: 0.85rem !important;
  transition: all 0.3s !important;
  box-shadow: var(--shadow-glow-teal);
}

.nav-cta:hover {
  background: var(--clr-teal-dark) !important;
  transform: translateY(-1px);
}

.nav-cta::after { display: none !important; }

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 32px;
  height: 32px;
  position: relative;
}

.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--clr-deep);
  position: absolute;
  left: 4px;
  transition: all 0.3s;
}

.mobile-toggle span:nth-child(1) { top: 8px; }
.mobile-toggle span:nth-child(2) { top: 15px; }
.mobile-toggle span:nth-child(3) { top: 22px; }

/* ========================================
   BREADCRUMB
   ======================================== */
.breadcrumb {
  background: var(--clr-warm-white);
  border-bottom: 1px solid var(--clr-sand);
  padding: 10px 0;
  margin-top: 64px;
}

.breadcrumb-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
  font-size: 0.82rem;
  color: var(--clr-stone);
}

.breadcrumb-inner a {
  color: var(--clr-teal);
  font-weight: 600;
}

.breadcrumb-inner a:hover { text-decoration: underline; }
.breadcrumb-inner span { margin: 0 6px; }

/* ========================================
   HERO
   ======================================== */
.hero {
  padding: 60px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(26,138,125,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -150px;
  left: -150px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(224,122,47,0.05) 0%, transparent 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--clr-teal-light);
  color: var(--clr-teal-dark);
  padding: 8px 18px;
  border-radius: var(--radius-pill);
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 20px;
  border: 1px solid rgba(26,138,125,0.15);
}

.hero-badge-dot {
  width: 8px;
  height: 8px;
  background: var(--clr-green);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

.hero h1 {
  font-family: var(--font-display);
  font-size: 3.2rem;
  font-weight: 700;
  line-height: 1.15;
  color: var(--clr-midnight);
  margin-bottom: 20px;
}

.hero h1 em {
  font-style: normal;
  color: var(--clr-teal);
  position: relative;
}

.hero h1 em::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 0;
  right: 0;
  height: 8px;
  background: rgba(26,138,125,0.12);
  border-radius: 4px;
  z-index: -1;
}

.hero-sub {
  font-size: 1.15rem;
  color: var(--clr-bark);
  line-height: 1.8;
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-buttons {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 15px 30px;
  border-radius: var(--radius-pill);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  border: none;
  transition: all 0.3s;
}

.btn-primary {
  background: var(--clr-teal);
  color: white;
  box-shadow: var(--shadow-glow-teal);
}

.btn-primary:hover {
  background: var(--clr-teal-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 28px rgba(26,138,125,0.25);
}

.btn-secondary {
  background: white;
  color: var(--clr-deep);
  border: 2px solid var(--clr-sand);
}

.btn-secondary:hover {
  border-color: var(--clr-teal);
  color: var(--clr-teal);
  transform: translateY(-2px);
}

.btn-orange {
  background: var(--clr-orange);
  color: white;
  box-shadow: var(--shadow-glow-orange);
}

.btn-orange:hover {
  background: var(--clr-orange-dark);
  transform: translateY(-2px);
}

/* Hero visual card */
.hero-visual {
  position: relative;
}

.hero-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(200,185,168,0.2);
  position: relative;
  z-index: 2;
}

.hero-card-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--clr-stone);
  font-weight: 700;
  margin-bottom: 16px;
}

.hero-card-amount {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 700;
  color: var(--clr-green);
  margin-bottom: 4px;
}

.hero-card-period {
  color: var(--clr-bark);
  font-size: 0.95rem;
  margin-bottom: 20px;
}

.hero-card-breakdown {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.hero-card-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--clr-warm-white);
  font-size: 0.9rem;
}

.hero-card-row:last-child { border: none; }

.hero-card-row span:first-child { color: var(--clr-bark); }
.hero-card-row span:last-child { font-weight: 700; }

.hero-float-badge {
  position: absolute;
  top: -16px;
  right: -16px;
  background: var(--clr-orange);
  color: white;
  padding: 10px 18px;
  border-radius: var(--radius);
  font-weight: 800;
  font-size: 0.85rem;
  box-shadow: var(--shadow-glow-orange);
  animation: float 3s ease-in-out infinite;
  z-index: 3;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--clr-sand);
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  color: var(--clr-bark);
  font-weight: 600;
}

.hero-trust-icon {
  font-size: 1.1rem;
}

/* ========================================
   LOCAL INTRO SECTION
   ======================================== */
.local-intro {
  background: white;
  padding: 64px 0;
  border-bottom: 1px solid var(--clr-sand);
}

.local-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.local-intro h2 {
  font-family: var(--font-display);
  font-size: 1.9rem;
  font-weight: 700;
  color: var(--clr-midnight);
  margin-bottom: 16px;
}

.local-intro p {
  color: var(--clr-bark);
  font-size: 0.97rem;
  line-height: 1.8;
  margin-bottom: 16px;
}

.local-stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.local-stat {
  background: var(--clr-cream);
  border: 1px solid var(--clr-sand);
  border-radius: var(--radius);
  padding: 20px;
}

.local-stat-value {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--clr-teal);
  margin-bottom: 4px;
}

.local-stat-label {
  font-size: 0.8rem;
  color: var(--clr-bark);
  font-weight: 600;
}

/* ========================================
   SECTION STYLING
   ======================================== */
section {
  padding: 80px 0;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 52px;
}

.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  font-weight: 700;
  color: var(--clr-teal);
  margin-bottom: 12px;
}

.section-title {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 700;
  line-height: 1.2;
  color: var(--clr-midnight);
  margin-bottom: 14px;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--clr-bark);
  line-height: 1.8;
}

/* ========================================
   VOORLOPIGE TERUGGAVE
   ======================================== */
.teruggave {
  background: linear-gradient(135deg, var(--clr-orange-light) 0%, var(--clr-cream) 50%, var(--clr-teal-light) 100%);
  position: relative;
}

.teruggave-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.teruggave-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--clr-orange);
  color: white;
  padding: 6px 16px;
  border-radius: var(--radius-pill);
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.teruggave h2 {
  font-family: var(--font-display);
  font-size: 2.3rem;
  font-weight: 700;
  line-height: 1.2;
  color: var(--clr-midnight);
  margin-bottom: 16px;
}

.teruggave h2 strong {
  color: var(--clr-orange);
}

.teruggave-body {
  font-size: 1.05rem;
  color: var(--clr-bark);
  line-height: 1.8;
  margin-bottom: 24px;
}

.teruggave-checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 28px;
}

.teruggave-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--clr-deep);
  font-weight: 500;
}

.teruggave-check {
  width: 24px;
  height: 24px;
  min-width: 24px;
  background: var(--clr-green-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-green);
  font-size: 0.75rem;
  margin-top: 2px;
}

.teruggave-example {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(200,185,168,0.2);
}

.teruggave-example-title {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
  margin-bottom: 20px;
  color: var(--clr-midnight);
}

.teruggave-example-row {
  display: flex;
  justify-content: space-between;
  padding: 11px 0;
  border-bottom: 1px solid var(--clr-warm-white);
  font-size: 0.9rem;
}

.teruggave-example-row:last-of-type { border: none; }

.teruggave-example-total {
  display: flex;
  justify-content: space-between;
  padding: 16px 0 0;
  margin-top: 8px;
  border-top: 2px solid var(--clr-orange);
  font-weight: 800;
  font-size: 1.1rem;
}

.teruggave-example-total span:last-child {
  color: var(--clr-green);
  font-family: var(--font-display);
  font-size: 1.3rem;
}

.teruggave-example-note {
  margin-top: 14px;
  padding: 12px 16px;
  background: var(--clr-green-light);
  border-radius: var(--radius);
  font-size: 0.82rem;
  color: var(--clr-teal-dark);
  font-weight: 600;
  text-align: center;
}

/* ========================================
   DOELGROEPEN
   ======================================== */
.audiences-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

.audience-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(200,185,168,0.15);
  transition: all 0.4s;
  position: relative;
  overflow: hidden;
}

.audience-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.audience-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
}

.audience-card--seniors::before { background: var(--clr-teal); }
.audience-card--starters::before { background: var(--clr-orange); }

.audience-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 20px;
}

.audience-card--seniors .audience-icon { background: var(--clr-teal-light); }
.audience-card--starters .audience-icon { background: var(--clr-orange-light); }

.audience-card h3 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--clr-midnight);
}

.audience-card p {
  color: var(--clr-bark);
  font-size: 0.95rem;
  margin-bottom: 20px;
  line-height: 1.7;
}

.audience-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}

.audience-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--clr-deep);
}

.audience-list-icon {
  color: var(--clr-green);
  font-size: 1rem;
  min-width: 20px;
}

/* ========================================
   HOE WERKT HET
   ======================================== */
.steps {
  background: white;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 48px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, var(--clr-teal), var(--clr-orange));
  opacity: 0.2;
}

.step {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  margin: 0 auto 16px;
  color: white;
  background: var(--clr-teal);
  box-shadow: var(--shadow-glow-teal);
}

.step:nth-child(2) .step-num { background: var(--clr-teal-dark); }
.step:nth-child(3) .step-num { background: var(--clr-orange); box-shadow: var(--shadow-glow-orange); }
.step:nth-child(4) .step-num { background: var(--clr-green); }

.step h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--clr-midnight);
}

.step p {
  font-size: 0.85rem;
  color: var(--clr-bark);
  line-height: 1.6;
}

/* ========================================
   TARIEVEN
   ======================================== */
.tarieven {
  background: linear-gradient(180deg, var(--clr-warm-white) 0%, var(--clr-cream) 100%);
}

.tarieven-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.tarief-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow-md);
  border: 2px solid transparent;
  transition: all 0.4s;
  position: relative;
}

.tarief-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.tarief-card--popular {
  border-color: var(--clr-orange);
}

.tarief-popular-badge {
  position: absolute;
  top: -13px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--clr-orange);
  color: white;
  padding: 4px 18px;
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.tarief-icon { font-size: 2.2rem; margin-bottom: 16px; }

.tarief-name {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--clr-midnight);
}

.tarief-for {
  font-size: 0.82rem;
  color: var(--clr-stone);
  font-weight: 600;
  margin-bottom: 16px;
}

.tarief-price {
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--clr-teal);
  margin-bottom: 4px;
}

.tarief-card--popular .tarief-price { color: var(--clr-orange); }

.tarief-price-note {
  font-size: 0.8rem;
  color: var(--clr-stone);
  margin-bottom: 24px;
}

.tarief-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 28px;
}

.tarief-features li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--clr-deep);
}

.tarief-features li::before {
  content: '✓';
  color: var(--clr-green);
  font-weight: 800;
  min-width: 16px;
}

.tarief-btn {
  width: 100%;
  text-align: center;
  padding: 14px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.9rem;
  cursor: pointer;
  border: 2px solid var(--clr-teal);
  background: transparent;
  color: var(--clr-teal);
  font-family: var(--font-body);
  transition: all 0.3s;
}

.tarief-btn:hover {
  background: var(--clr-teal);
  color: white;
}

.tarief-card--popular .tarief-btn {
  background: var(--clr-orange);
  border-color: var(--clr-orange);
  color: white;
}

.tarief-card--popular .tarief-btn:hover {
  background: var(--clr-orange-dark);
  border-color: var(--clr-orange-dark);
}

/* ========================================
   REGIO
   ======================================== */
.regio-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  margin-top: 8px;
}

.regio-badge {
  background: white;
  padding: 10px 22px;
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--clr-deep);
  border: 1px solid var(--clr-sand);
  transition: all 0.3s;
}

.regio-badge:hover {
  border-color: var(--clr-teal);
  color: var(--clr-teal);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.regio-badge--active {
  background: var(--clr-teal-light);
  border-color: var(--clr-teal);
  color: var(--clr-teal-dark);
  font-weight: 700;
}

/* ========================================
   FAQ
   ======================================== */
.faq {
  background: white;
}

.faq-grid {
  max-width: 760px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--clr-sand);
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 22px 0;
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--clr-midnight);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  transition: color 0.2s;
}

.faq-question:hover { color: var(--clr-teal); }

.faq-arrow {
  font-size: 1.2rem;
  color: var(--clr-stone);
  transition: transform 0.3s;
  min-width: 20px;
}

.faq-item.active .faq-arrow { transform: rotate(45deg); color: var(--clr-teal); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s;
}

.faq-item.active .faq-answer { max-height: 300px; }

.faq-answer p {
  padding-bottom: 22px;
  color: var(--clr-bark);
  font-size: 0.95rem;
  line-height: 1.8;
}

/* ========================================
   CTA
   ======================================== */
.cta {
  background: linear-gradient(135deg, var(--clr-teal-dark) 0%, var(--clr-teal) 100%);
  color: white;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(255,255,255,0.06) 0%, transparent 70%);
}

.cta h2 {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 700;
  margin-bottom: 14px;
  position: relative;
}

.cta p {
  font-size: 1.1rem;
  opacity: 0.9;
  margin-bottom: 32px;
  position: relative;
}

.cta-buttons {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
}

.btn-white {
  background: white;
  color: var(--clr-teal-dark);
  box-shadow: var(--shadow-md);
}

.btn-white:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-outline-white {
  background: transparent;
  color: white;
  border: 2px solid rgba(255,255,255,0.4);
}

.btn-outline-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: white;
  transform: translateY(-2px);
}

.cta-phone {
  margin-top: 28px;
  position: relative;
}

.cta-phone a {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: white;
  opacity: 0.95;
}

.cta-phone a:hover { opacity: 1; }

.cta-phone-label {
  font-size: 0.85rem;
  opacity: 0.7;
  margin-bottom: 4px;
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
  background: var(--clr-midnight);
  color: rgba(255,255,255,0.6);
  padding: 60px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: white;
  margin-bottom: 12px;
}

.footer-desc {
  font-size: 0.88rem;
  line-height: 1.7;
  margin-bottom: 16px;
}

.footer h4 {
  font-family: var(--font-display);
  color: white;
  font-size: 1rem;
  margin-bottom: 16px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  font-size: 0.88rem;
  transition: color 0.2s;
}

.footer-links a:hover { color: var(--clr-teal); }

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
  text-align: center;
  font-size: 0.82rem;
}

/* ========================================
   RESPONSIVE
   ======================================== */
@media (max-width: 900px) {
  html { font-size: 16px; }

  .hero-grid,
  .teruggave-grid,
  .audiences-grid,
  .local-intro-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero { padding: 40px 0 60px; }
  .hero h1 { font-size: 2.4rem; }
  .section-title { font-size: 1.9rem; }
  .tarieven-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }

  .nav-links { display: none; }
  .mobile-toggle { display: block; }
}

@media (max-width: 600px) {
  .hero { padding: 20px 0 60px; }
  .hero h1 { font-size: 2rem; }
  .steps-grid { grid-template-columns: 1fr; max-width: 320px; margin: 0 auto; }
  .hero-trust { flex-direction: column; align-items: flex-start; gap: 10px; }
  .footer-grid { grid-template-columns: 1fr; }
  .teruggave h2 { font-size: 1.8rem; }
  .cta h2 { font-size: 1.8rem; }
  .local-stat-grid { grid-template-columns: 1fr 1fr; }
}

/* ========================================
   BEREKENING DISCLAIMER
   ======================================== */
.berekening-disclaimer {
  font-size: 0.78rem;
  color: var(--clr-bark);
  font-style: italic;
  margin-top: 10px;
  line-height: 1.5;
  opacity: 0.85;
}

.hero-card-disclaimer {
  font-size: 0.72rem;
  color: rgba(107,94,80,0.75);
  font-style: italic;
  margin-top: 10px;
  padding-top: 10px;
  border-top: 1px solid rgba(200,185,168,0.25);
  line-height: 1.4;
  text-align: center;
}

/* ========================================
   BLOG / ARTIKEL
   ======================================== */
.blog-hero {
  background: var(--clr-cream);
  padding: 60px 0 48px;
  border-bottom: 1px solid var(--clr-sand);
}

.blog-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--clr-teal);
  margin-bottom: 18px;
}

.blog-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  color: var(--clr-deep);
  line-height: 1.2;
  max-width: 800px;
  margin-bottom: 20px;
}

.blog-meta {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: var(--clr-bark);
  margin-bottom: 28px;
}

.blog-meta-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.blog-intro {
  font-size: 1.08rem;
  color: var(--clr-bark);
  max-width: 720px;
  line-height: 1.7;
}

.blog-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 60px;
  align-items: start;
  padding: 60px 0;
}

.blog-article {
  min-width: 0;
}

.blog-article h2 {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--clr-deep);
  margin: 44px 0 16px;
  line-height: 1.25;
}

.blog-article h2:first-child { margin-top: 0; }

.blog-article h3 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--clr-deep);
  margin: 28px 0 12px;
}

.blog-article p {
  color: var(--clr-bark);
  line-height: 1.75;
  margin-bottom: 18px;
}

.blog-article ul, .blog-article ol {
  margin: 0 0 18px 0;
  padding-left: 24px;
}

.blog-article li {
  color: var(--clr-bark);
  line-height: 1.7;
  margin-bottom: 8px;
}

.blog-article strong { color: var(--clr-deep); }

.blog-article a {
  color: var(--clr-teal);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.blog-article a:hover { color: var(--clr-teal-dark); }

.info-box {
  background: var(--clr-teal-light);
  border-left: 4px solid var(--clr-teal);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin: 28px 0;
}

.info-box p { margin-bottom: 0; color: var(--clr-deep); }
.info-box strong { color: var(--clr-teal-dark); }

.warning-box {
  background: #fff8f3;
  border-left: 4px solid var(--clr-orange);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin: 28px 0;
}

.warning-box p { margin-bottom: 0; color: var(--clr-deep); }

.income-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 0.92rem;
}

.income-table th {
  background: var(--clr-deep);
  color: #fff;
  text-align: left;
  padding: 10px 16px;
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.income-table th:first-child { border-radius: var(--radius) 0 0 0; }
.income-table th:last-child { border-radius: 0 var(--radius) 0 0; }

.income-table td {
  padding: 10px 16px;
  border-bottom: 1px solid var(--clr-sand);
  color: var(--clr-bark);
}

.income-table tr:last-child td { border-bottom: none; }
.income-table tr:nth-child(even) td { background: var(--clr-warm-white); }
.income-table td strong { color: var(--clr-deep); }

/* TOC sidebar */
.blog-sidebar {
  position: sticky;
  top: 90px;
}

.toc {
  background: var(--clr-warm-white);
  border: 1px solid var(--clr-sand);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 28px;
}

.toc-title {
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--clr-bark);
  margin-bottom: 14px;
}

.toc ol {
  list-style: none;
  padding: 0;
  counter-reset: toc;
}

.toc li {
  counter-increment: toc;
  margin-bottom: 8px;
  display: flex;
  align-items: baseline;
  gap: 8px;
  font-size: 0.88rem;
}

.toc li::before {
  content: counter(toc);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 20px;
  height: 20px;
  background: var(--clr-teal);
  color: #fff;
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 700;
  flex-shrink: 0;
}

.toc a {
  color: var(--clr-bark);
  text-decoration: none;
  line-height: 1.4;
}

.toc a:hover { color: var(--clr-teal); }

.blog-cta-box {
  background: var(--clr-deep);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 24px;
  text-align: center;
}

.blog-cta-box h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  margin-bottom: 10px;
  color: #fff;
}

.blog-cta-box p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 16px;
}

.blog-share {
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid var(--clr-sand);
}

.blog-share p {
  font-size: 0.9rem;
  color: var(--clr-bark);
  margin-bottom: 12px;
}

@media (max-width: 900px) {
  .blog-layout { grid-template-columns: 1fr; }
  .blog-sidebar { position: static; }
  .toc { display: none; }
}

@media (max-width: 600px) {
  .blog-hero { padding: 40px 0 32px; }
  .blog-article h2 { font-size: 1.35rem; }
  .income-table { font-size: 0.82rem; }
  .income-table td, .income-table th { padding: 8px 10px; }
}